Why You Need A Copy Of Your Credit Report…

If you are concerned about identity theft or regular credit monitoring, you likely understand the importance of obtaining a copy of your free personal credit report. Neglecting to monitor your credit may prove damaging in the long run. It does not take long for a person to access your information and begin opening accounts in your name. For this matter, consumers are advised to obtain a 3 in 1 credit report every six months.

Benefits of a Credit Report

Aside from protecting yourself against identify theft, credit monitoring is essential for improving your credit rating. Although lenders use credit reports to judge a loan applicant’s creditworthiness, credit reports are also beneficial because they keep us informed of our credit standing. Thus, we can know our odds of obtaining a home loan, auto loan, etc.

How to Get a Copy of Your Credit Report

Getting a copy of your 3 in 1 credit report is simple. Furthermore, because reports are viewable online, there is no valid reason not to check your report at least once annually. Every city across the country has a local credit agency which will issue copies of your credit report from all three bureaus. However, if you prefer the convenience of the internet, there are various websites offering 3 in 1 reports for a small fee.

To obtain a copy of your personal reports, you must provide information such as name, address, social security number, etc. Once your information is verified, credit reports are either sent via email or viewable from the website. Your entire credit history will show before your eyes.

If you are hoping to improve your credit rating, obtaining a 3 in 1 credit report should be the first step you take. This way, you know exactly what needs improving. The report will list all creditors, current balances, and account standing. Moreover, you should review your report for errors. If inaccuracies are present, contact the bureau and discuss clarifying the matter.

In addition, credit reports include a credit score. This 3 digit number carries a lot of weight. Low scores indicate bad credit, whereas high scores equal good credit. If the goal is to improve credit score, it may be wise to improve in certain areas. For example, avoid late or skipped payments, reduce debt to income ratio, settle collection accounts, and limit your number of credit inquiries.

Nathalie Noisette is a Credit Consultant dedicated to providing information for individuals looking to improve their score. Noisette is noted for saying "We all deserve good credit, you just have to know how to get it."
Contact Nathalie@creditconversion to speak to her today.

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About Credit Conversion

Since 2013 Credit Conversion has been diligently working with hundreds of clients to convert consumer credit scores. Located in Avon, MA, our clients span the entire United States with one common goal, converting to great credit. We not only work on credit improvement but credit score sustainability. After you leave our care, we want to ensure you know all there is to know about your score and ensure that you have the behavioral tools needed to maintain your new score.

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